The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$78,751
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,200
−HK$2,489/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,781
+HK$5,092/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,609
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,959
−HK$2,384/mo
Today · 4.125%
HK$92,343
baseline
▲ 0.50% · 4.625%
HK$97,210
+HK$4,867/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,686/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,501
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,440
−HK$2,987/mo
Today · 4.125%
HK$100,427
baseline
▲ 0.50% · 4.625%
HK$106,538
+HK$6,111/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$200,854/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,131
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,951
−HK$2,860/mo
Today · 4.125%
HK$110,811
baseline
▲ 0.50% · 4.625%
HK$116,652
+HK$5,841/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$221,622/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,251
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,680
−HK$3,485/mo
Today · 4.125%
HK$117,165
baseline
▲ 0.50% · 4.625%
HK$124,294
+HK$7,129/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,330/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,653
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,943
−HK$3,337/mo
Today · 4.125%
HK$129,280
baseline
▲ 0.50% · 4.625%
HK$136,094
+HK$6,814/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,560/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,751
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$146,161
−HK$4,479/mo
Today · 4.125%
HK$150,640
baseline
▲ 0.50% · 4.625%
HK$159,806
+HK$9,166/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$301,280/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,697
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$161,926
−HK$4,291/mo
Today · 4.125%
HK$166,217
baseline
▲ 0.50% · 4.625%
HK$174,978
+HK$8,761/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$332,434/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,776 · Scale 2, in force from 26 Feb 2026)